The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$38,994
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,207
−HK$1,232/mo
Today · 4.125%
HK$41,439
baseline
▲ 0.50% · 4.625%
HK$43,961
+HK$2,522/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$82,878/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,381
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,544
−HK$1,180/mo
Today · 4.125%
HK$45,724
baseline
▲ 0.50% · 4.625%
HK$48,135
+HK$2,411/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$91,448/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,793
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,249
−HK$1,478/mo
Today · 4.125%
HK$49,727
baseline
▲ 0.50% · 4.625%
HK$52,753
+HK$3,026/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$99,454/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,057
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,453
−HK$1,416/mo
Today · 4.125%
HK$54,869
baseline
▲ 0.50% · 4.625%
HK$57,761
+HK$2,892/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$109,738/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,592
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,290
−HK$1,725/mo
Today · 4.125%
HK$58,015
baseline
▲ 0.50% · 4.625%
HK$61,545
+HK$3,530/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$116,030/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,733
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,362
−HK$1,652/mo
Today · 4.125%
HK$64,014
baseline
▲ 0.50% · 4.625%
HK$67,388
+HK$3,374/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$128,028/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,190
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,373
−HK$2,218/mo
Today · 4.125%
HK$74,591
baseline
▲ 0.50% · 4.625%
HK$79,130
+HK$4,539/mo
Deposit HK$1.71M · loan HK$15.39M · min. income ≈ HK$149,182/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,085
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,179
−HK$2,125/mo
Today · 4.125%
HK$82,304
baseline
▲ 0.50% · 4.625%
HK$86,642
+HK$4,338/mo
Deposit HK$1.71M · loan HK$15.39M · min. income ≈ HK$164,608/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,280 · Scale 2, in force from 26 Feb 2026)